Free Stewardship Scorecard: Find Your Gaps

Ten questions in five steps

The Confidence Gap

“Do I have enough?”

1. When you think about how much money you’ll need to retire, which best describes you?

I don’t have a set number—I’ve never sat down and calculated what I’d actually need, so retiring feels like a leap of faith.I have a rough number in my head from a quick calculator or old advice, but no one has ever tested it against my spending or life expectancy.I had a projection run a few years back and it looked fine at the time, but my situation has changed since then and I haven’t revisited it.I have a current plan that’s been stress-tested—including an analysis modeled out to age 100—so I know with confidence where I stand.

2. How well do you know your household’s monthly spending?

If you asked me what I spend in a typical month, I’d be guessing.I have a general sense from checking the bank balance, but nothing that tracks where the money goes month to month.I’ve had some kind of spending review done before, so I have real numbers, but I haven’t looked at them in a while.I have clear, ongoing visibility into what I spend and why.

The Coordination Gap

“Who is seeing the full picture?”

3. How many professionals help manage your finances, and do they talk to one another?

I mostly manage things myself because I’ve never fully trusted handing it to someone else.I have a CPA, an advisor, maybe an attorney, but as far as I know, they’ve never spoken to one another about my situation.My advisors occasionally compare notes, but there’s no one driving the overall strategy.One person coordinates my entire financial picture and makes sure everything is working toward the same goal.

4. When did you last review your accounts for tax efficiency—things like Roth conversions or withdrawal sequencing?

I didn’t know Roth conversions and withdrawal sequencing were things I should be reviewing.I’ve heard these terms, but no one has ever looked at my accounts to tell me if they apply.I’ve had a partial review of some of this but nothing comprehensive.I review these strategies on an ongoing basis as part of a coordinated plan.

The Transition Gap

“What am I retiring to?”

5. When you picture a typical Tuesday five years into retirement, what do you see?

I don’t have a picture of what a normal day would look like.I picture something vague but nothing with much shape to it.I have a rough sketch of hobbies and a loose routine in mind, though I haven’t thought it through in much detail.I have a fairly clear picture of how I’ll spend my time, who I’ll spend it with, and what will give those days purpose.

6. Have you and, if applicable, your spouse talked through what retirement will look like day to day?

We haven’t talked about it in any serious way.It’s come up in passing but never as a sit-down conversation with any substance.We’ve talked about it and touched on a few ideas, but we haven’t landed on anything specific together.We’ve had in-depth conversations about what this season looks like, and we’re aligned on it.

The Generosity Gap

“Am I giving at the level God is calling me to?”

7. How would you describe your giving right now?

I give when something comes up or someone asks, without much of a pattern behind it.I give fairly consistently, but it’s more out of habit than a plan I’ve thought through.I have a rough sense of a giving goal, though it’s never been written down or reviewed.I have a written, intentional giving plan that reflects my values, my capacity, and what I feel called to.

8. How familiar are you with tax-efficient giving tools, like donor-advised funds and qualified charitable distributions?

I’ve never heard of things like donor-advised funds or qualified charitable distributions.I’ve heard these terms, but I don’t know whether they’d apply to my specific situation.I understand some of these tools conceptually, but I haven’t used them in my own giving.I actively use strategies like these as part of how I give.

The Legacy Gap

“Will my values survive me?”

9. How current and properly in place are your estate documents?

I don’t have a real estate plan in place, or it’s out of date and unfunded.I have some documents, but I don’t know if my accounts are properly titled or my beneficiaries are up to date.My documents are reasonably current, and I believe most things are properly funded.My estate plan is fully updated and properly funded, and I review beneficiary designations regularly.

10. Have you talked with your family about the values and purpose behind your wealth?

I’ve never had a conversation with my family about the values or purpose behind our wealth.It’s come up briefly once or twice, but we haven’t gone into it with any depth.We’ve started having this conversation, but it still feels incomplete.We’ve had intentional conversations about the why behind our decisions, not just the what.

Complete the free Stewardship Scorecard

The Confidence Gap

The Coordination Gap

The Transition Gap

The Generosity Gap

The Legacy Gap

Your stewardship scorecard

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